IMG Cruise Travel Insurance
Compare the best cruise travel insurance plans from IMG to protect your trip against eligible medical emergencies, trip cancellation, interruption, delays, and other unexpected travel disruptions.
What does IMG travel insurance cover?
Which Is the Best Cruise Travel Insurance from IMG?
The best iTravelInsured travel insurance plans include iTravelInsured Choice , iTravelInsured Lite, iTravelInsured SE, iTravelInsured LX, and iTravelInsured Choice Cruise, offering flexible coverage for different travel needs and budgets. These plans provide benefits such as medical expenses, emergency medical evacuation, trip cancellation, and trip interruption coverage, with higher coverage limits available through SE and LX plans. For cruise travelers, iTravelInsured Choice Cruise offers specialized travel protection for trips of up to 90 days.
- Medical expense: Up to $100,000
- Emergency medical evacuation: Up to $500,000
- Trip cancellation: Up to 100% of trip cost
- Trip interruption: Up to 150% of trip cost
- Trip length: Maximum of 90 days
- Medical expense: $100,000 per person
- Emergency medical evacuation: Up to $1,000,000
- Trip cancellation: Up to 100% of trip cost
- Trip interruption: Up to 150% of trip cost
- Travel Delay : $150 per day ($1,000 max per person)
- Optional add-on benefits available: Cancel for any reason, Enhanced Medical, Cruise Protection, or Sports Protection for extra peace of mind.
- Medical expense: $250,000 per person
- Emergency medical evacuation: Up to $500,000
- Trip cancellation: Up to 100% of trip cost
- Trip interruption: Up to 150% of trip cost
- Trip length: Maximum of 180 days
- Medical expense: $100,000 per person
- Emergency medical evacuation: Up to $500,000
- Trip cancellation: Up to 100% of trip cost
- Trip interruption: Up to 125% of trip cost
- Trip length: Maximum of 180 days
- Medical expense: $500,000 per person
- Emergency medical evacuation: Up to $1,000,000
- Trip cancellation: Up to 100% of trip cost
- Trip interruption: Up to 150% of trip cost
- Trip length: Maximum of 180 days
Why Do You Need Cruise Travel Insurance?
A cruise vacation is usually planned well in advance and is a much sought after holiday which is truly exciting. Cruise travelers must however ensure that the cruise vacation is not a disappointment by buying proper cruise insurance.
Vacationers are likely to book for the cruise well in advance of the actual travel date, however given all the uncertainties due to the Covid pandemic, the unsteady economy, higher inflation, airline disruptions with labor shortages, and factors like hurricanes, it is entirely possible that one is not able to board the cruise as planned.
Cruise travel insurance for trip cancellation online
Do I Need Travel Insurance Protection for a Cruise?
Yes, travel insurance provides the following coverage which is invaluable during a cruise vacation:
- Missing the Cruise boat: Unless you live near a port, it is very likely that you have to book a flight to get to your cruise departure destination. What happens if your flight is delayed - or worse - cancelled? Your dream cruise vacation can turn into a nightmare if you cannot make it to the port in time. With travel insurance coverage you can be reimbursed for any additional transportation costs incurred to join your departed cruise.
- Lost Baggage: You may not have issues with your flight arriving on time, but what if you are waiting at baggage claim and realize your baggage did not make it to your destination or is delayed? IMG’s iTravelInsured travel protection plan includes baggage and personal effects coverage which reimburses damaged, lost, or stolen luggage. If your bags are delayed a certain number of hours, your plan also includes baggage delay benefits that can offer you reimbursement for necessary clothing or personal items you have to buy while waiting for the bags to arrive.
- Protecting Prepaid Expenses: Cruises are a convenient way to travel, not only for the transportation aspect, but also because most of your activities are booked and paid for in advance. Depending on your plan, you may be covered in the event you have to miss a prepaid activity because you are sick.
- Cancelling Your Cruise: Because cruises are planned so far in advance, it's impossible to know what lies ahead 9-12 months from the time you book your trip. A travel insurance plan from IMG provides trip cancellation and trip interruption coverage for several unpredictable reasons, including loss of a family member, sudden illness, and more covered reasons.
- Getting Injured or Sick: Not only do you want to protect your trip investment, but you also want to protect your health especially in the exotic locations you may visit. Cruise ships may only have medical facilities equipped to handle minor injuries and illnesses. If you become injured or sick beyond what the medical facilities on board can handle, the cruise ship may direct you to the hospital at the next port, or a medical evacuation may be necessary. Without travel protection, you could be responsible for paying out of pocket for these types of health care expenses.
- Cost: The cost of an iTravelInsured travel protection plan is calculated using factors such as the level of coverage, the percentage of your prepaid, non-refundable trip costs, your age, and other factors. You’ll find that many cruise lines often offer a travel insurance plan as an add-on when booking the cruise, but you may encounter different restrictions, limitations, and costs. Review these options carefully as a travel protection plan from IMG may be a better fit for your needs.
Cruise travel insurance benefits
- Trip Cancellation: Protect your financial investment in the event you have to cancel your trip. Having travel insurance with a trip cancellation benefit can help you to avoid losing the money you’ve invested in a trip you can no longer take.
- Travel Insurance for Flights: Whether the airline loses your bags, your flight gets delayed or cancelled, or a host of other unexpected issues, having travel insurance can provide financial protection when something goes wrong.
- Travel Insurance for a Cruise: It’s likely for cruise-goers to have paid for most of their vacation before ever stepping foot on the ship. With travel insurance, you can insure your prepaid, non-refundable cruise, flight, and other trip costs so that you’re covered in case the unexpected happens before or during your travels.
- Cancel For Any Reason (CFAR) Insurance: Cancel For Any Reason coverage is a travel insurance benefit that allows you to get partially reimbursed for cancelling a trip for a reason not otherwise covered under your plan. You can quite literally cancel a trip for any reason, and still get some of your money back.
- Travel Insurance for Pet Owners: We understand pets are like family, which is why we’ve designed some travel protection plans to include benefits specifically for pet owners. We also understand it's just as important to look out for your pets when you're not traveling, which is why we've partnered with Fetch, so you can give your dog or cat the care they need without ever worrying about the cost.
Cruises Insurance, Cruises Cancellation Insurance - FAQs
Some of the benefits provided by cruise insurance include coverage for cruise cancellation expense, any additional expense due to flight or travel delay, baggage loss or baggage delay, expense due to medical evacuation to healthcare facility as well as the healthcare costs if one falls ill or is injured during the cruise.
- Trip cancellation
- Trip delay
- Emergency medical evacuation
- Baggage loss
- Baggage delay
- Medical coverage
Some add-on coverage available with some plans include - Cancel for any reason cancellation. Please look at the plan brochures for details of the coverage.
All of these cruise insurance coverage benefits are very important given the nature of traveling on a cruise. Given the Covid pandemic, some cruise lines are recommending cruise travel insurance, especially for unvaccinated travelers. Irrespective of whether cruise insurance is mandated or not, given the relatively low cost of cruise insurance when compared to the coverage benefits provided, buying the best cruise travel insurance is strongly recommended. Cruise health insurance provides peace of mind and can make all the difference in making in one’s cruise vacation memorable.
Some benefits such as the ‘Cancel for any reason’ is also time sensitive and usually needs to be bought within 21 days of the first payment. However travelers can buy cruise insurance later as well and can be bought just before the cruise starts. Some plans are even available post-departure of the cruise.
While purchasing a good cruise insurance policy travelers can look for a complete coverage with benefits like cancellations and medical emergencies, in addition to standard coverage included in the travel insurance. A comprehensive cover generally offers full coverage that can save some extra money for the travelers.
Some of the benefits that are included in Cruise cancellation insurance are:-
- Trip Cancellation: Offers a reimbursement for the traveler's prepaid and non-refundable trip expenses, including their airfare, cruise, excursions, and tours. Hurricane & Weather coverage is included in most policies with Trip Cancellation coverage.
- Emergency Medical: The cost of routine medical checks has increased hence its advisable that travelers travelling by cruisers buy a travel insurance policy with a minimum of $100,000 for Emergency Medical.
- Medical Evacuation: Cruisers should purchase a policy with a minimum of $250,000 for Medical Evacuation coverage as the chances for evacuation are higher on the cruise.
Apart from the coverage for cancellations and medical emergencies, a good travel insurance plan will include travel delay, missed connections, and luggage. There are few policies that offer coverage for Itinerary Change, where a reimbursement can be claimed by travelers for missed events in the event of their travel supplier changing their itinerary.
For example, if a traveler is planning a cruise and if there is a forecast of a storm then it would be too late to buy a policy for that storm. Few add-on benefits like Cancel For Any Reason or Pre-Existing Condition coverage are time-sensitive which are available within 10-21 days of the initial trip payment like cruise down payment.
- Age of the traveler: The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
- Type of travel insurance: Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance
- Medical maximum coverage and deductible options: The price of visitors' medical insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
- Region of coverage: ravel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
- Duration of travel insurance: The longer the duration of visitor medical insurance required, the higher will be the cost.
Travelers can check with the cruise if they will provide a refund or voucher if you cancel. If yes, then travelers do not need to insure the cost of the cruise to make the travel insurance policy a little cheaper.
Our typical customers range from international travelers visiting family in the US, international students, J visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries who need travel insurance to satisfy visa requirements, Cruise travelers ,trip cancellation customers to insurance their trip expenses, travelers looking for Covid19 travel insurance with quarantine coverage as mandated by certain countries, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs.
Our licensed dedicated customer support team provides service at all times helping customers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency. We also provide answers to all international cruise travel insurance questions , reviews of different cruise travel insurance products, testimonials for customers as well as provide an user-friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help travelers make an informed decision while buying travel insurance.
Going abroad or even out of state can increase deductibles and/or coinsurance or you may not even be covered. Find out ahead of time! Know the limitations of the cruise medical insurance and figure out if you would like to be more secure in your purchase. Finally, trip cancellation insurance companies are experts at helping travelers and they have thought of a lot of things going wrong that you may not have! So, consider your options carefully.
American Visitor Insurance's licensed customer support staff with over two decades of travel insurance experience, help customers by providing answers to any queries or concerns while buying IMG travel insurance. The customer support staff located in different time zones both in the East Coast and West Coast of the US are available at all times to help you with the online application process as well as to help customers while filing for IMG insurance claims should you need to use the insurance coverage while on your vacation.
